The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,373
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,882
−HK$517/mo
Today · 4.125%
HK$17,399
baseline
▲ 0.50% · 4.625%
HK$18,458
+HK$1,059/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,798/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,214
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,703
−HK$495/mo
Today · 4.125%
HK$19,198
baseline
▲ 0.50% · 4.625%
HK$20,210
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,396/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,647
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,258
−HK$621/mo
Today · 4.125%
HK$20,879
baseline
▲ 0.50% · 4.625%
HK$22,150
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,758/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,857
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,443
−HK$595/mo
Today · 4.125%
HK$23,038
baseline
▲ 0.50% · 4.625%
HK$24,252
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,076/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,922
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,635
−HK$724/mo
Today · 4.125%
HK$24,359
baseline
▲ 0.50% · 4.625%
HK$25,841
+HK$1,482/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$48,718/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,500
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,184
−HK$694/mo
Today · 4.125%
HK$26,878
baseline
▲ 0.50% · 4.625%
HK$28,295
+HK$1,417/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$53,756/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,471
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,387
−HK$932/mo
Today · 4.125%
HK$31,319
baseline
▲ 0.50% · 4.625%
HK$33,224
+HK$1,905/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,638/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,786
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,665
−HK$892/mo
Today · 4.125%
HK$34,557
baseline
▲ 0.50% · 4.625%
HK$36,379
+HK$1,822/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,114/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,405 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).